5 free copies of TurboTax — answer the iwillteachyoutoberich surveys

April 6 18 Comments latest by igor

I have some survey responses below that I’m collecting for the iwillteachyoutoberich book. I also have 5 copies of Turbotax to give away. (I’ll give away the majority to people who answer today, so if you have a spare minute, please answer the surveys below!)

• Did you pay a financial advisor to manage your money, but realized you’d do better by yourself?

• Have you ever felt so guilty about your spending that you’ve been overwhelmed and done nothing to improve the situation?
• Have you ever felt overwhelmed by the amount of financial information on TV, in magazines, and online?
• Job Loyalty Survey — How Loyal Are You?

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18 Comments latest by igor

How to use a separate debit card for discretionary spending

April 3 47 Comments latest by JiminDC

[Update: Added ghetto hand-drawn image below.]

One of my friends has been carefully watching her spending for the last few months. When she started tracking her spending, she noticed that she was spending an unbelievable amount going out every week. So she came up with a clever solution to control her discretionary spending.

She set up a separate bank account with a debit card. At the beginning of each month, she transfers, let’s say, $200, into it. When she goes out, she spends that money. And when it’s done, it’s done.

This is a nice take of the envelope system, where you decide how much you’re going to spend in each category and literally put cash in different envelopes. You can transfer from one envelope to another, but once your money runs out, that’s all you can spend for the month.

Tip: If you set up a debit account like this, call your bank and tell them you don’t want them to allow you to spend more than you have in your account. Tell them, “If I only have $30 in my account and I try to charge $35 on my debit card, I don’t want your system to let me.” Some banks can handle this request. (Schwab Checking can do this by turning off overdraft/margin protection, while Wells Fargo can’t at all because they suck and are useless.) If you don’t do this, you’ll run up tons of overdraft fees.

[Update]: Welcome Lifehacker readers! See a list of my most popular posts and subscribe to my RSS feed.

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47 Comments latest by JiminDC

2 startup jobs (engineer and product manager) + $2,000 in referral bonuses

April 1 21 Comments latest by Doug

My startup is hiring! If you’re interested in working at a Silicon Valley startup, read on…

Last week, I wrote about life at the startup I co-founded, PBwiki. We’re based in San Mateo, CA (near San Francisco) and offer free lunches, free espresso, 32895123 energy drinks, stock options, and more. See more about life at PBwiki.

We’re hiring two positions, with some special perks:

• $1,000 referral bonus. If you refer us someone that we eventually hire, we’ll pay you $1,000 in cash. Hell, if you’re in the Bay Area, I’ll even deliver it myself. Refer yourself if you want! Or send this post to your friends. (The person has to stick around PBwiki for at least six months.)
• $1,000 for a K-12 classroom. If we hire someone from the iwillteachyoutoberich post, we’ll also donate $1,000 to a US-based classroom for supplies or a special project. And we’ll include your name in the press release/announcement.
• We’ll pay for your moving expenses. We’ll pay relocation expenses for extraordinary candidates (we once shipped 3 cats from the East coast). So if you’re not in the Bay Area, don’t worry.

I wrote earlier about how well things are going at PBwiki.

So, if you’re interested in working at a startup, read on…

Product Manager

Have you ever used a breathtakingly simple and clean web application, and immediately started wondering how it was built? Did you start calculating the tradeoffs in the product and guess at the future product roadmap?

If so, we’d like to talk to you.

The product manager is a senior part of the PBwiki team who works to define what the product should include. In other words, the product manager collects inputs from the executive team, marketing, sales, support, and engineering to define the scope of PBwiki. S/he will also be customer-focused, communicating and collecting user requests and understanding key customer pain points. And the product manager will understand the competitive landscape to build a better product.

The ideal Product Manager will be deeply familiar with SaaS environments and their unique properties, have a technical background, have experience in startup-style environments, understanding how to sketch out storyboards of feature implementations in conjunction with Engineering, and ideally even be able to bang out crude prototypes. Preference will be given to candidates with 3+ years experience in Product Management.

Send us your resume today. Include links to webapps you’ve helped build, including any screenshots and process documents you used.

Web Engineer

What makes us tick? We love building useful tools for the web. We develop new features on Monday, and deploy it to hundreds of thousands of real users by Friday.

What makes you tick? We want you to be energetic, full of ideas, know what a wiki is, and enjoy working with a small team of brilliant people. You should thoroughly understand web technologies. You know how to prototype things and quickly make them real with XHTML, Javascript/AJAX, CSS, and/or PHP.

Send us your resume today! Please use your cover letter to either provide a URL to a web app you’ve built ground-up, or describe a project of yours that would impress us.

To apply to this position, send your resume to jobs404@pbwiki.com. Be sure to replace the “404″ with the correct HTTP status code for “OK”.

If you have any questions about these positions, leave a comment here and I’ll reply ASAP.

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21 Comments latest by Doug

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